X FINANCIAL-ADR (XYF)

US98372W2026 - ADR

3.7748  -0.06 (-1.44%)

Fundamental Rating

4

Overall XYF gets a fundamental rating of 4 out of 10. We evaluated XYF against 51 industry peers in the Consumer Finance industry. XYF has only an average score on both its financial health and profitability. XYF is valued expensive and it does not seem to be growing.



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6

1. Profitability

1.1 Basic Checks

In the past year XYF was profitable.
XYF had positive earnings in 4 of the past 5 years.
In multiple years XYF reported negative operating cash flow during the last 5 years.

1.2 Ratios

XYF has a Return On Assets of 10.19%. This is amongst the best in the industry. XYF outperforms 96.08% of its industry peers.
XYF has a better Return On Equity (20.30%) than 88.24% of its industry peers.
XYF's Return On Invested Capital of 10.68% is amongst the best of the industry. XYF outperforms 90.20% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XYF is significantly above the industry average of 6.30%.
Industry RankSector Rank
ROA 10.19%
ROE 20.3%
ROIC 10.68%
ROA(3y)10.21%
ROA(5y)4.5%
ROE(3y)19.38%
ROE(5y)6.66%
ROIC(3y)12.37%
ROIC(5y)N/A

1.3 Margins

XYF has a better Profit Margin (24.65%) than 88.24% of its industry peers.
XYF's Profit Margin has been stable in the last couple of years.
XYF has a Operating Margin of 29.86%. This is amongst the best in the industry. XYF outperforms 88.24% of its industry peers.
XYF's Operating Margin has declined in the last couple of years.
The Gross Margin of XYF (40.40%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of XYF has declined.
Industry RankSector Rank
OM 29.86%
PM (TTM) 24.65%
GM 40.4%
OM growth 3YN/A
OM growth 5Y-3.68%
PM growth 3YN/A
PM growth 5Y-0.24%
GM growth 3Y93.91%
GM growth 5Y-9.49%

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so XYF is creating value.
The number of shares outstanding for XYF remains at a similar level compared to 1 year ago.
The number of shares outstanding for XYF has been reduced compared to 5 years ago.
Compared to 1 year ago, XYF has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 1.37, we must say that XYF is in the distress zone and has some risk of bankruptcy.
XYF's Altman-Z score of 1.37 is fine compared to the rest of the industry. XYF outperforms 70.59% of its industry peers.
XYF has a Debt/Equity ratio of 0.72. This is a neutral value indicating XYF is somewhat dependend on debt financing.
The Debt to Equity ratio of XYF (0.72) is better than 74.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Altman-Z 1.37
ROIC/WACC2.65
WACC4.03%

2.3 Liquidity

A Current Ratio of 1.39 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a Current ratio (1.39) which is comparable to the rest of the industry.
A Quick Ratio of 1.39 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a Quick ratio (1.39) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39

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3

3. Growth

3.1 Past

XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.81%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.00% on average over the past years.
The Revenue has grown by 35.14% in the past year. This is a very strong growth!
XYF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.34% yearly.
EPS 1Y (TTM)56.81%
EPS 3YN/A
EPS 5Y7%
EPS growth Q2Q-33.88%
Revenue 1Y (TTM)35.14%
Revenue growth 3Y29.97%
Revenue growth 5Y6.34%
Revenue growth Q2Q24.81%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.11, which indicates a rather cheap valuation of XYF.
XYF's Price/Earnings ratio is rather cheap when compared to the industry. XYF is cheaper than 100.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.25, XYF is valued rather cheaply.
Industry RankSector Rank
PE 1.11
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

XYF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 3.80%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.32, XYF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, XYF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.8%

5.2 History

XYF is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A

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X FINANCIAL-ADR

NYSE:XYF (4/25/2024, 9:04:05 AM)

3.7748

-0.06 (-1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap181.76M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 1.11
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.16
Profitability
Industry RankSector Rank
ROA 10.19%
ROE 20.3%
ROCE
ROIC
ROICexc
ROICexgc
OM 29.86%
PM (TTM) 24.65%
GM 40.4%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 1.39
Quick Ratio 1.39
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)56.81%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)35.14%
Revenue growth 3Y29.97%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y